blackste vs (sh)abbey

[blackste]

hi all
im just about to start my falling out with abbey. ive already started to move my banking affairs to a new abnk A&L so they aint going to chase me off with the closed account threat, i just wanted some tips, and benifit of your knowledge before i really get stared with them. all help would be appreciated.
happy claiming
steve

[Jane Austen]

Make sure you read the FAQs (click on FAQ on the blue bar at the top of each page), and especially the step by step guide.

We're all here to help.

Good luck

[blackste]

hi
just started the ball rolling. sent letter to abbey requesting all info on charges to my accounts(2). just had a thought, should i have sent a cheque for £10 per account or £10 in total?

[philread1]

No, The £10 covers all accounts with your name on that you are requesting information for.

Good Luck(Not that you need it!)
Phil

[philread1]

Sorry, Basically £10 in Total! (Just in case you did'nt get my last message!)

[blackste]

hi all
while i was on my hols abbey wrote to me and give me the microfiche bluff. ive sent off the microfiche reply from the library, but in the meantime they have sent me about 14 months worth of statements for my 2 joint acounts. do i need to do anything or just be patient.
thanks for the help guys

[Kirstypops]

Thanks for your post on my thread Steve. It will be interesting to see if we get replies at roughly the same time.

Now that I've got my statements from the last 14 months I've discovered that Abbey have taken £828 off me in charges - the sods! I dread to think what the microfiche records will show.

Good luck and enjoy your reclaimed money

K

[Karnevil]

Be patient really. They have 40 days to respond satsfactorily (which they probably won't do) then you can decide what next to do -take them to court for non compliance / submit an estimated claim, etc.

In the meantime, for some fun, you can enter your charges from those 14 months into the spreadsheets in the library.

Also: for two joint accounts you'll have to decide whether to claim for both at once, or seperately - starting one after the first is settled. This decision will depend on the amounts (ie. if together they add up to over 5k you may want to split them to keep them on the small claims track)

Also - keep reading the faq's and the threads so you know what Abbey might throw your way

x

p.s. thanks blackste

[blackste]

hi all
semi good news yesterday. i am chasing abbey over 2 joint accounts, and got the miocrofiche printoffs for one of them ( the one which i know has only £20 in charges) so some progress. just have to wait and see how long the second microfiche prints take.
cheers
steve

[Karnevil]

hmmmm wonder if its coincidence they only sent the one without many charges on.........

[dave]

Yeah - totally coincidental - NOT.

I have heard of people receiving print-outs from Abbey were there was a summary at the bottom - i.e. Amount charged, total in, total out, interest paid, etc....

Abbey had actually got someone to get a highlighter pen and rub them out!!!! making it harder (only slightly) for someone to calculate the amount charged.

Hilarous!! (and sadly child-like pathetic - but then, do we expect anything else from the 'school' bully?) - and of course, I would imagine that it would backfire and make the person more determined!

Nothing the banks do is by accident. It's very rarely, an 'accident' results in the customer being better off is it?

Even the incompetence is calculated.

[blackste]

hi guys
sorry ive not posted for ages but ive been working abroad.
this leaves me with a bit of a problem. ive not been able to send my letter for the summary of what im claiming for, and the letter im supposed to send before my 40 cut off was due about a week ago. the 40 days from sending my data protection letter is up on sat 20th august. is it still worth sending the final reminder, ive still not recieved the microfiche for my other account.
thanks all.
steve

[philread1]

Hello Ste

You can send a final reminder if you feel like it, its not too important. Once the 40 days are up, send them a Prelminary letter with an estimated claim asking for you charges back.They have 14 days to respond to this request.

Most people are calculating what they have been charged so far off information received, getting an average from that, and then multiplying that figure by the amount of months you have'nt got information for.

At least you will get the ball rolling, and if shABBEY want to kick up a fuss that your estimate is too much, they will have to provide you with the information you have been asking for all along! Then you can amend your claim, and shABBEY can get on with giving you your money back!!!

hope this is not 'too much information'!
Phil

[blackste]

hi all
well the 40 days are up today. the problem ive got is that abbey have sent the microfiche details for one of my accounts, but not the other, the one with all of the charges on. also i have no idea when i opened this account, so am not sure how to do the multiplier, to claim what i think should be an average of my charges. should i just multiply this years charges by the 6 years maximum? also where do i go for the N1 form.
thanks all

[Karnevil]

N1 form is available from the hm courts service website - or from the courts direct

I think if you are estimating you should stick to the 6 years..... cut down on the complications.

[blackste]

thanks karnevil, will press on with it from tuesday.